An extension of the strategic partnership between PayPal and Android Pay will now allow customers to pay in mobile browsers with ease.

Before, PayPal customers could add their credentials as a payment method for in-store and in-app Android Pay payments.

Now, that’s extending to the mobile web, meaning that shoppers using Chrome on Android KitKat 4.4 or above will be able to use the two services together at any merchant that accepts PayPal. Even more, payments can be verified with just a fingerprint, rather than a username or password.

The move could ease pain points on the mobile web for a considerable number of users. Mobile browser shopping is becoming more common, but it’s challenging, thanks to frictions associated with smaller screens and slower connections. This leads to sub-2% conversion rates, according to Monetate. Buy button offerings can fix that, because they eliminate steps that add hassle. Verifying with a fingerprint makes these payments even more convenient.

The move could vastly lift adoption for Android Pay.

This puts an immediate fix into a vast number of shopping situations. PayPal counts 16 million merchants. These retailers will gain Android Pay capability without any required integration. That means that, for Android users, as they begin shopping more in the browser, Android Pay will be everywhere by extension, thanks to the partnership, and it’ll be easy to use.

That fix could bring more users to the wallet. Android Pay adoption is lagging. In March, just 7% of eligible users had tested the wallet, compared with 14.6% for Samsung Pay and just under a quarter for Apple Pay. But PayPal counts 203 million customers, many of which are likely to be Android users. The in-browser offering could be sufficiently convenient to draw more PayPal users to Android’s product. Android Pay is relatively sticky, so if the mobile web is the roadblock that gets customers to adopt the product, it’s plausible they’d use it in other situations, therefore increasing engagement as well.

Mobile payments are becoming more popular, but they still face some high barriers, such as consumers' continued loyalty to traditional payment methods and fragmented acceptance among merchants. But as loyalty programs are integrated and more consumers rely on their mobile wallets for other features like in-app payments, adoption and usage will surge over the next few years.

BI Intelligence, Business Insider's premium research service, has compiled a detailed report on mobile payments that forecasts the growth of in-store mobile payments in the U.S., analyzes the performance of major mobile wallets like Apple Pay, Android Pay, and Samsung Pay, and addresses the barriers holding mobile payments back as well as the benefits that will propel adoption.

Here are some key takeaways from the report:

In our latest US in-store mobile payments forecast, we find that volume will reach $75 billion this year. We expect volume to pick up significantly by 2020, reaching $503 billion. This reflects a compound annual growth rate (CAGR) of 80% between 2015 and 2020.

Consumer interest is the primary barrier to mobile payments adoption. Surveys indicate that the issue is less the mobile wallet itself and more that people remain loyal to traditional payment methods and show little enthusiasm for picking up new habits.

Integrated loyalty programs and other add-on features will be key to mobile wallets taking off. Consumers are showing interest in wallets with integrated loyalty programs. Other potential add-ons, like in-app, in-browser, and P2P payments, will also start fueling adoption. This strategy has been proved successful in China with platforms like WeChat and Alipay.

In full, the report:

Forecasts the growth of US in-store mobile payments volume and users through 2020.

Reviews the performance of major mobile wallets like Apple Pay and Samsung Pay.

Addresses the key barriers that are preventing mobile in-store payments from taking off.

Identifies the growth drivers that will ultimately carve a path for mainstream adoption.

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